Mike Pero Mortgages Limited

“For the majority of transactions there is no cost to you for the term of the agreed engagement unless specifically negotiated in advance. However, a minority of the lenders may charge an upfront fee or brokerage fee to you and may pass some or all of this fee to us. Our financial advisers may also charge you a nominal fee for our services. Any fee required to be paid and how it is paid will also be disclosed to you in the Statement of Advice and Final Disclosure provided to you by our financial advisers.”

“Mike Pero Mortgages may receive commissions of between 0.1% and 1% of the value of the mortgage – the amount depends on which lender and which type of mortgage you choose. In addition, Mike Pero Mortgages may also receive a commission payment of between 0.1% and 1% of the remaining loan balance each year. Our financial advisers receive a proportion of these commissions.”

“Mike Pero Mortgages may receive commissions of between 50% and 230% of the first year's premiums on your insurance policy – the amount depends on which insurance company and which insurance policy you choose. Mike Pero Mortgages may also receive a commission payment of between 1% and 30% of the premium for each year the insurance policy remains in force. Our financial advisers receive a proportion of these commissions.”

“Any potential for a conflict of interest to arise as a result of these interests and relationships is managed by ensuring that we do not provide any additional commission payment or other incentive to our financial advisers for placement of Liberty Financial Limited and Secure Funding Limited lending products or Mike Pero branded insurance policies and loan products.”